i'm joined by author karen lee. it is the new year, a lot of people thinking about their finances. when trying to sort out our money issues, where is the best place to start? >> amazingly, randi, the best place to start is being honest with yourself. this is tough for a lot -- when it comes to money, people love to stay in denial. so, really being honest and what i recommend is put it down on paper. so, to start with, you need to, of course, the word every american hates, budget. so, you need to start looking at the budget. how much income comes in and add up the monthly and annual spending. i will tell you, in my practice, this is where i get the most resistance. people don't want to add it up and come clean with what they spend. and then next is add up all your debt. and, again, people know they've got this on this card and this on that, but they haven't added it all up. i once had an older woman come to see me. when she added it up, it was $28,000. add it all up and then add up all your saving account and write it down. >> that's one way to be honest. when you see it on paper, y